Flood Insurance

Additional Coverage to Help Protect Your Home from Flooding

Many people find out too late that they are at risk for flooding, and even worse, that their property insurance policy does not cover damage caused by flood. A flood insurance policy can provide the specialized coverage you need to help protect your home, apartment or condo from rising waters.

Neptune Flood offers an option to add coverages to help protect your assets that are not covered in the National Flood Insurance Program. Additional coverages are available by endorsement and include:

• Temporary Living Expenses (up to $10,000): If you are unable to live in your home as a result of a covered loss, Neptune Flood will reimburse up to $100 per day for temporary housing and up to $35 per day for food for each family member residing in the home during this time, for up to three months.
• Basement Contents (up to $10,000): The NFIP provides very limited coverage for contents located in a basement including air conditioners, washer/dryer and freezers. If you have furniture or other personal property in a basement, it would not be covered under the NFIP in the event of a flood loss. If you have personal property in a basement, you will want to consider adding this coverage with Neptune Flood.**
• Pool Repair and Refill (up to $10,000): The NFIP specifically excludes coverage for swimming pools. With this endorsement, Neptune Flood offers coverage for swimming pool repair and refill costs.
• Unattached Structures on Property (up to $50,000): Neptune Flood will pay for covered damage to unattached structures up to the total limit purchased.***